14 May, 2025: Swarm, the blockchain platform enabling compliant tokenization and trading of real-world assets (RWAs), has announced a strategic partnership with Cloud Payments, a global leader in mobile wallet and digital currency infrastructure. This collaboration is part of Cloud Payments’ continued expansion of its Web3 strategy, aligning with a growing trend of traditional fintech companies integrating blockchain technologies.
Cloud Payments has an extensive Web2 and Web3 omni wallet infrastructure with over 1.5 billion users in more than 50 countries. It is leveraging its patented wallet infrastructure via its newly-established European distributor, Fundz Europe GmbH, and Swarm’s end-to-end tokenization technology to deliver Web3 solutions for a variety of use cases, enabling new levels of transparency, scalability, and liquidity to traditional financial markets.
The partnership’s first milestone has already been delivered — a live, on-chain platform for trading biochar carbon credits, demonstrating the practical application of Cloud Payments’ and Fundz Europe GmbH, Web3 strategy.
Built on the Polygon Network and whitelabeling Swarm’s tokenization and trading technology, the carbon platform enables the transparent issuance, trading, and retirement of biochar carbon credits for both retail and institutional investors. The new platform marks a significant shift from legacy financial models to fully on-chain asset ecosystems.
Philipp Pieper, Co-Founder of Swarm, commented: “Our collaboration with Cloud Payments and Fundz Europe demonstrates how Swarm’s infrastructure can enable legacy financial systems to transition to Web3. Launching the carbon credit trading platform is a tangible outcome of this strategy, showcasing how blockchain technology can modernize and scale environmental finance. This is just the start. We expect more use cases and tangible outcomes from legacy payments and financial infrastructure companies moving on chain.”
Cloud Payments’ Web3 strategy mirrors a wider movement within the financial sector. Leading payment providers have recently announced the integration of stablecoin financial accounts, allowing businesses in over 100 countries to transact with blockchain-based assets. Similarly, other global payments organizations are increasingly embracing blockchain for cross-border payments and digital asset management.
This partnership between Swarm and Cloud Payments exemplifies how traditional financial institutions are leveraging blockchain to enhance transparency, scalability, and liquidity within their service offerings. By integrating Swarm’s comprehensive tokenization and trading infrastructure with Cloud Payments patented mobile wallet technology, delivered via Fundz Europe, we are transforming traditional asset trading into a fully on-chain, programmable experience. This move eliminates intermediaries, enables real-time verification, and brings new levels of transparency to financial products.
Mike Love, CEO of Cloud Payments, said: “The launch of an on-chain carbon marketplace is a major step in Cloud Payments’ Web3 journey. Working with Swarm has allowed us to deliver a live, wallet-native trading experience that is both transparent and efficient. This project sets the tone for our future blockchain initiatives, as we continue to evolve from a leading mobile wallet provider to a full-stack enabler of decentralized finance.”
This partnership marks a keystep in Cloud Payments’ broader Web3 strategy, which includes integrating Swarm’s tokenization solutions as a white-label service. Following this launch, Cloud Payments plans to continue to expand into Web3.
For Swarm, this collaboration underscores its commitment to powering the transition from traditional finance to blockchain-based ecosystems. As the financial world shifts from analog to digital rails, Swarm continues to pioneer compliant tokenization and secondary trading of real-world assets, supporting new, data-driven markets that are transparent, scalable, and secure.
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Notes to editors
Get in touch if you’d like to discuss Swarm Markets white labeling solution or would like to speak to Swarm co-founders, Philipp Pieper and Timo Lehes about this or anything else regarding the crypto asset, DeFi and tokenization space.
About Swarm
Swarm is a blockchain platform that brings unique digitization and trading solutions to the world of traditional finance. It is the first organization in the world to offer digitized US treasury bills and Apple stock via a compliant and decentralized platform.
Day to day, we work with real-world-asset owners to tokenize collateral and build trading infrastructure in a regulatory compliant way. Issuers that need compliance guarantees from a top tier jurisdiction to build secondary markets of tokenized securities, including fixed income products, choose to partner Swarm.
Swarm is a hybrid, embracing the advantages of blockchain-trading – flexibility, speed and efficiency – and pairing it with the trust and asset-range typically enjoyed by traditional exchanges. Swarm aims to integrate TradFi with DeFi so that everything becomes “Fi”. For more information, visit the website.
About CloudPayments
Cloud Payments is a global fintech innovator and wholly owned subsidiary of Fintiv, Inc., which is headquartered in Austin, Texas and founded in 2008. Specializing in digital commerce infrastructure, payment technologies, and tokenized infrastructure delivering patented digital solutions across 60+ countries, demonstrating a robust capability in multi-national commerce.
Fintiv is the core technology provider behind Cloud Payments, with a patented omni-wallet platform that integrates loyalty, payments, digital commerce, identity, and decentralized finance services. Its white-labeled Web2/Web3 wallet technology enables seamless transitions from traditional payments to tokenized economies.
